Many of the solutions to how to pay credit card debt are also applicable to other forms of debt repayment. Eradicating any type of debt can be done through a number of methods, some of which are offered here. Before beginning a credit reimbursement plan, gather up all documentation of debts so there is a clear understanding of exactly how much needs to be paid back. If dealing primarily with credit card debt, employ one or more of these ideas to get rid of it: Start by contacting the credit card issuing companies to see if they will work toward a mutually acceptable repayment schedule with a lower interest rate or a longer amount of time to pay off the debt. Picking up an extra, part-time job and then putting all of the income generated by it directly to the debt can help, too. Cutting back on “frivolous” spending and using the money saved to pay off debt is also effective.